Just Wait Until the Employer-Provided Health
Posted: Nov 19, 2013
Just Wait Until the Employer-Provided Health Insurance Cancellations Kick In
November 18, 2013
RUSH: I got an e-mail. "Rush, why are the employer-provided policies going to be canceled starting next year?" The answer to that's simple, folks. It's because of the employer mandate delay. You remember that Obama delayed the employer mandate? Starting next year, the employer-provided policies will come up against Obamacare, and they will be found to be illegal, just like the private insurance plans that people are losing now.
The Regime and everybody in the media (other than The Politico), again, are trying to convince everybody that this is it. "It's just 5%, 15 million people. I mean, big whoop. I mean, any major change, you're gonna have some fallout." In the first place, it isn't 5%, it's 8%, which is the equivalent of 25 million. But then there are 150 million-plus people with employer-provided health insurance who will start to be canceled, begin to be canceled starting next year.
It would have been this year except there was the delay of the employer mandate for election purposes and other political reasons. So that shoe is going to drop, and it's gonna make what is happening now look like Romper Room. It's just going to keep getting worse. The longer we go, the more time passes, events will unfold in such a way that you think you've got the worst behind you and something brand-new pops up. I mean, this is devastating, this whole Obamacare thing.
The vast majority of people haven't yet even discovered how bad it is.
END TRANSCRIPT
;
I cannot wait until that day - since the grandfathered insurance I am offered now
[ In Reply To ..]
I do not find Obamacare devastating, just highly promising. I have lived for a while in a country where health care was independent of income. You make much better income because companies can pay you rather than your insurance burden. Yeah, you do pay higher taxes, but you actually see something for those taxes.
My husband has good insurance, but his employer tells him how much it costs and it costs almost as much as he is paid (admitted low) per year. Even though his premiums are relatively low, the plan is grandfathered and thus under his relatively good policy he still is not entitled to the protections offered by Obamacare. To be concise, if you go to the hospital and have an operation for example, they are still allowed to beef up the charges and hit you with a big bill, which is something everyone has to worry about until the health care mandates allowing insurance companies to basically take our life savings are fully implemented. The out of pocket costs which are not allowed to be sidetracked or ignored are the biggest deal here to my thinking.
This new transpacific trade agreement scares me because now we are competing with people in third world countries but people in some of the countries involved in this agreement have a much higher standard of living than India and they already have govt health care and get good salaries, so there is another loss of MT jobs perhaps to English speaking countries (Australia and NZ are in this agreement).
What's happening now seems to be just hype from the right wing noise machine, not actually anything horrible. Most people find they can get better and cheaper coverage once they can get through the exchange website or a phone call or a broker or Ehealth. Many who got their insurance canceled have been proven to be either unwilling to even check out the new system or found they are eligible for much better and cheaper insurance with the subsidies.
I have looked at the exchanges and hoped to get on them rather than accept the substandard insurance offered by my MTSO, but I cannot, so yeah, bring on the cancellation of these horrible grandfathered policies and allow us to enter the exchanges, that's what I say.
End of sentence above should be - is terrible!
[ In Reply To ..]
Whoops, left that out.
so why don't you do it now - self insured MT
[ In Reply To ..]
If you don't like your employer-provided health insurance, why not get your own? There's nothing that says you HAVE to take their insurance. I was offered coverage by my employer but I chose to keep what I had already purchased on my own.
Years ago, companies started offering health insurance as a perk. It was a way to compete with other companies to get the best workers. I don't understand why it is now a LAW that companies must provide health insurance to their employees. They don't pay my car insurance, why should they have to pay my health insurance?
Another problem with company-provided health insurance is that sometimes people will stay in a job they hate just for the insurance. If you buy your own, it takes that issue right off the table. You can change jobs and it won't affect your insurance because it's YOURS, it goes with you no matter where you work.
I had tried to get coverage privately - but was besieged by phone calls
[ In Reply To ..]
And basically it seemed like a lot of junk policies too, plus more expensive.
Can I ask if you feel your coverage is satisfactory? Have you ever used it? I figured the junk policy offered by my employer was somewhat subsidized and no better and probably cheaper than what I could get on the open market, but personally I would rather have coverage that is more comprehensive and has the safeguards that regulate the deductibles and out of pockets, plus the fact that if you qualify you get subsidies to make these policies affordable, whereas before they were way too expensive.
I am all for detaching health insurance from employment, but this country has the highest medical costs and insurance premiums for health insurance in the world, so there needs to be a means to bring the costs down to make it affordable and comprehensive.
I would not want to buy health insurance now until companies are made to comply with the ACA, all the policies I can afford are the same junk insurance policies my employer provides and you cannot get insured via the ACA if you are offered anything by your employer, unfortunately.
yes I like my coverage - self insured MT
[ In Reply To ..]
Yes, I went through the phone call and email gauntlet when I shopped for my insurance a few years ago. I'm pretty healthy, so all I was really concerned about was being covered for something major. But my policy still covers a good percentage of my regular doctor visits (I have a $25.00 copay).
I got a job as an employee a couple of years ago and was offered insurance, but it was more expensive than what I already had, so I kept my policy. Glad I did, too, because insurance thru my employer was based on making minimum quotas. Had I gone with their plan, I would've lost my insurance when the work dried up.
Now I'm with a new company and they also offered insurance, but I decided to still keep what I have because I have no idea what's going to happen when the employer mandates kick in next year, but I have a feeling it'll be the same as what is happening to a lot of people now who are losing their insurance, but it will be on a much bigger scale than what we are seeing now.
I was lucky to be grandfathered into my current plan. I was able to get a decent rate by joining an organization and getting a group rate thru them. I hope I can keep it through the long haul, but with the government's ultimate goal being a single-payer system, who knows what will happen in the future.
I can see why you kept your insurance - that offered by MTSOs is horrible
[ In Reply To ..]
The thing is, why would you be afraid to lose it because it is being made to comply with some basic regulations which are actually much better if you ever have to use it?
Your doctor visit copay is very good, that is one which my MTSO does not have now, you have to apply everything to a $2500 deductible, which really just discourages you from going, so I do think you do have a good one there.
The big thing the ACA does is guarantee your out of pocket costs are truly limited and that you don't go broke if a major event happens, so maybe you will be one of the lucky ones whose insurance is what they think it is.
I imagine, at any rate, you will be eligible for subsidies to get a good plan if and when your insurance decides to cancel policies like yours. Since you got it through an organization, group rate, I think you are in a good position for the future.
I wish the govt's ultimate goal was single payer, but that does not appear to be the case, since that was not even seriously considered in the ACA bill. I personally think that single payer would lower healthcare costs and stop the insurance grifters.
Similar Messages:
Health Insurance Through EmployerMar 31, 2010I wrote to my congressman here in Pennsylvania asking how HCR is going to help me with my specific situation. My premium through work is high, but I need it because my husband is self-employed. I received a response a few days later this morning and wanted to share with you all in case you were also curious (in the same situation).
"Two things will happen if your employer-provided coverage is deemed unaffordable (your insurance would be considered unaffordable if your premium payments total mor ...
CBO Now Says 10 Mil Will Lose Employer Health Plans Under ObamaCareJan 28, 2015The Congressional Budget Office now says ObamaCare will push 10 million off employer-based coverage, a tenfold increase from its initial projection. The "keep your plan" lie just gets bigger and bigger.
The latest CBO report is supposed to be a big win for the Obama administration because the projected costs are 20% below what the CBO first projected in 2010.
But the CBO report also shows that ObamaCare will be far more disruptive to the employer-based insurance market, while being far less ef ...
Get A Raise? Employer-paid Health Insurance? Retirement Plan?Feb 17, 2011I am horrified at what is happening in Wisconsin and many other states. There has been a systemic effort to take away our rights and this is just the latest.
If you are a working medical transcriptionist you know only too well about the cuts to wages and benefits. The corporate policies (using political influence) have offshored work, cut wages and benefits, driven workers into unemployment, so that the remaining workers will grasp at any reduced wages and benefits that might ...
Health Care Reform Repeal Would Rob 4-Year-Old Jackson Whaley Of Health Security Jun 15, 2012What happens when your ailing son is about to exhaust a lifetime of health insurance benefits before his third birthday? Kelly Whaley came dangerously close to finding out...... ...
Health Insurance Is A Poor Measure Of Health Care.Sep 14, 2011On Tuesday, the Census Bureau released its annual report on health insurance coverage in the United States. News media widely misconstrued the data and presented the problems facing the nation's health care system through a distorted lens.
Many major news outlets made a basic error when reporting on the Census Bureau study. The Los Angeles Times wrote that "the number of Americans with no health insurance rose in 2010 to 49.9 million from 49 million the year before." But the figure c ...
If My Employer Told Me What Contraception I Could UseJun 30, 2014I would be very, very, very angry. I am angry for the women who work for Hobby Lobby and any other corporation who would presume to have control over my body.
I am already stressed out enough as it is with trying to make near perfect mega lines per hour at minimum wage and dealing with no work available, inconsistent QA policies, lack of time off, and demands for overtime.
I cannot believe that 5 old men have that power to discriminate against women, and now my employer has that&nb ...
Employer Pushes Employees Over The LineJan 22, 2013http://news.yahoo.com/chinese-workers-revolt-over-2-minute-toilet-breaks-081615186--finance.html ...
Obamacare And Employer Issued InsuranceJan 14, 2014Just curious.. did anyone's insurance that they got through their employer, not through the ACA web site, actually see any drastic changes to how their insurance worked? Any huge difference in cost? My insurance did not change a bit, not even the cost which is the first time that it has not gone up yearly in well, decades... My daughter is having her employer insurance benefit meeting today and there were rumors of big changes with huge deductibles with no doctor visits covered ...
Why The Employer Mandate Delay Ploy Will BackfireJul 12, 2013link ...
This Link Was Provided A Few Days BackJan 21, 2013But seeing the quality of some of the posts coming in, please watch it again and see how it relates to some of the posters on this site. Sometimes it's just best to ignore instead of respond.
http://www.youtube.com/watch?client=mv-google&gl=US&hl=en&v=TuXGiV82tmg&nomobile=1 ...
Wait, Wait, Don't Tell Me - 2005Dec 10, 2012http://www.youtube.com/watch?v=Zi6JRvJDAKw&feature=player_embedded
This is some good comic relief. ...
Health Care Reform-Question About Canadian Health CareDec 03, 2009So....a friend is for our US health care reform (already retired and on Medicare) because he had no trouble going to Canada to get laser surgery on his eyes so he wouldn't have to wear glasses and states there is nothing wrong with the Canadian system....but, and I'm asking a serious question here, how long do people really wait for emergent surgery if they belong to the Canadian system versus the American system as we have it now?
How did Canada get their health care system up and ru ...
Debate Game: Identify The "zingers" Aids Have Provided Mr. RomneyOct 02, 2012"Mr. Romney’s team has concluded that debates are about creating moments and has equipped him with a series of zingers that he has memorized and has been practicing on aides since August. "
With all that practice, will we see an almost reaganesque delivery, with each a jewel followed by excited babble from the talking heads, or will some be rather hard to identify?
Unfortunately, President Obama is supposedly avoiding zingers, leaving us to count any lapses into professorial lecture mode ...
Can't Wait! Jul 14, 2010My niece has a friend with a farm, and she owns a beautiful miniature horse. The horse had a gorgeous little baby. We are going this weekend to visit! My niece sent pictures of the two of them in the pasture. Baby is like mom; brown and white with the white diamond shape on his forehead. Any bets out there how many kisses I'm gonna steal from mom and baby? Just when I am feeling like nothing is going right, and I am so down ...
I Can't WaitJun 15, 2017Cheeto's investigation has now expanded to include money laundering and tax evasion. He is so going down. ...
Just Eat Cake And Wait For ItAug 18, 2017Let Nazis protest to nobody watching. I think we found the answer. Let them self destruct while we enjoy a sheet cake weekend. Actually I like the whole video better but you can find that easily on your own. Cake. Who knew? 🤔 ...
Can't Wait To See What He's Got Cooked Up With Russia.Nov 07, 2012This oughta be fun. ...
Can't Wait For Honesty To Return To DC Again.Dec 06, 2016According to interviews and confidential memos obtained by the Washington Post, the Pentagon last year produced — and quickly suppressed — a study that, according to one person familiar with the report, was akin to “[turning] on the light in a very dark room,” revealing $125 billion in waste in its administrative bureaucracy.
According to the Post, the Pentagon ordered the Defense Business Board, an outside federal advisory panel made up of corporate executives and consultants from Mc ...
Wait---did He Mean To Bomb Iraq--Apr 12, 2017I mean, our techology, our equipment is better than anybody by a factor of 5! (that's huge!) ....squirrel....Iraq, no Syria...no where am I? who are you?... chocolate cake....yum....
We have Homer Simpson for president....
...
You Call This A Recovery? Oh, Wait, He Just Needs More Time (sm)Sep 19, 2012American Airlines (based in Dallas) expecting layoffs of 4400, possibly may go as high as 11,000. Yah, buddy, this is a recovery all right. Print up more food stamps. ...
Can't Wait To See Trump Take On Hillary. Or Will It Be Sanders?May 04, 2016nm ...
Wait! Shhh...hear That? It's The Murmurings Of MillionsApr 27, 2011I'm an independent ... and I gotta say I have laughed my butt off ALL day at every single person who was sidetracked and dooped by ANYONE who believed what the birther crapola machine was putting out! LOLOLOL
World, continue on ....
...
I Find It Ironic That The TPubs Couldn't Wait To....Apr 16, 2015get rid of Eric Holder as AG and have been keeping him in office by holding up Loretta Lynch's nomination, which most republicans approve of anyway. Nuts! ...
Trump Surging. Up In FL, Tied In PA, Closing In OH. Wait Til 11/1Oct 26, 2016When the scam called "Affordable Care" - which CLINTON SUPPORTS - hits this electorate between the eyes, you can bet the late-breakers will go for Trump.
I hope some newspaper right now is printing up a CLINTON WINS! edition like they did with Truman.
We couldn't put her in the dock due to the corruption of FBI Director Comey. We can be her jury now, though...and SHE IS GUILTY. ...
Wait - Is That Bill Cllinton Talking About Illegal Immigration?May 18, 2016Follow the link. ...
I Can't Wait Till Trey Gowdy Gets Hold Of The Dairy Queen. (sm)Apr 13, 2015Hopefully he will shake her up so bad, we can call her Milk Shake. But I do prefer cow. ...
Legal Immigrants Face Longer Wait Times To Become CitizensMay 19, 2015than ILLEGAL immigrants. Tweet that for the No. 1 twit. ...
Health InsuranceFeb 18, 2012Wondered if anyone has any good ideas on health coverage outside of employers. Cannot do enough time/lines to earn with employer and getting older although no major health problems? Anybody else with some problems? Do you just do without coverage and pray nothing happens? ...
Health InsuranceDec 13, 2011Does anyone know of any type of group insurance for medical transcriptionistsm or any reasonable health insurance plan for individual contractors? ...
Health BillDec 19, 2009Today he used our money, the "stimulant" package, to buy the Nebraska vote to get it through the senate, just like he used it to buy the Louisiana vote to get it through the house. That's called redistribution of wealth, our pockets to his...
But, of course, pointing this out is just another crazy right wing tactic....right NJ? ...